Cheapest Car Insurance Quotes in Jacksonville, Florida

Cheapest Car Insurance Quotes in Jacksonville, Florida

Find Cheap Auto Insurance Quotes in Your Area

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Minimum coverage auto insurance in Jacksonville, the most populated city in Florida, averages $2,275 per year, or around $190 per month, while the average cost of a full coverage policy is $3,171, or $264 per month. We found that Jacksonville’s car insurance costs vary significantly depending on your driver profile, background and, most importantly, your insurer.


Cheapest for minimum liability

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Cheapest for full coverage

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Cheapest for drivers with an accident

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Best for customer service

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In fact, the cheapest insurer charges an average of $2,925 less than the most expensive insurer for minimum liability coverage, emphasizing how important it is to shop around for multiple quotes.

Cheapest minimum auto insurance in Jacksonville: GEICO

The Jacksonville insurer with the cheapest minimum liability policy is GEICO with an average annual cost of $1,136. An alternative insurer you should obtain a quote from is State Farm, which is only $130 more expensive, on average, than GEICO. A minimum auto insurance policy is the lowest amount of coverage a driver must obtain to legally drive in the state.

This graph identifies and ranks the three companies in Jacksonville, Fla. with the best rates for insuring our sample drivers' cars
This graph identifies and ranks the three companies in Jacksonville, Fla. with the best rates for insuring our sample drivers' cars

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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Florida has the second most expensive minimum insurance policy and the fifth most expensive full coverage policy in the country. Jacksonville, like many densely populated cities, has insurance rates that are higher than the state average.

Given the high insurance price tags, drivers may decide to purchase the minimum amount of coverage to save money. However, this may not be the best option for your needs. A minimum liability policy covers the cost of damages to other people's property as well as medical expenses for you and your passengers. It does not offer coverage against damage to your own vehicle, which means you can still end up spending hundreds or even thousands of dollars as a result of an accident.

RankCompanyAverage annual premium
1GEICO$1,136
2State Farm$1,266
3Direct General$1,934
4MetLife$2,046
5Progressive$3,198
6Allstate$4,067

Cheapest insurer for a full coverage policy: GEICO

GEICO not only has the cheapest minimum liability coverage but also the most affordable full coverage policy. Its full coverage policy is only $533 more expensive than its minimum coverage policy. The second cheapest insurer, State Farm, has a full coverage policy that is $449 more expensive than GEICO’s but is still cheaper than Florida’s and Jacksonville’s average.

RankCompanyAverage annual premium
1GEICO$1,669
2State Farm$2,118
3Direct General$2,742
4MetLife$3,392
5Progressive$4,154
6Allstate$4,951

Full coverage includes coverage of your vehicle, while minimum coverage serves to cover other drivers’ vehicles. A full coverage policy is more expensive than a minimum cost policy because it includes comprehensive and collision coverage. To quickly summarize what each type of coverage gives you:

  • Comprehensive coverage: Financially protects you from damage to your car caused by factors outside of your control. This includes thefts, natural disasters and broken or shattered windshields.
  • Collision coverage: Financially protects you from damage to your car caused by driving into another vehicle or object, the most common accidents. This includes crashing into another car, driving into a ditch and running into a pole.

We recommend you invest in additional coverage or higher limits if your car is less than 10 years old or worth more than $3,000.

Cheapest insurance company for young drivers: GEICO

Young and new drivers are statistically more likely to be involved in an accident than older drivers. Insurers see young drivers as high-risk and, as a result, charge higher insurance premiums for coverage.

The insurance company that offers the cheapest rates for the average 18-year-old driver is GEICO with an average annual premium cost of $3,187. The next most inexpensive option you can find in Jacksonville is Direct General, which is priced, on average, at $3,832 annually.

RankCompanyAverage annual premium
1GEICO$3,187
2Direct General$3,832
3State Farm$3,904
4MetLife$5,231
5Progressive$8,594
6Allstate$9,416

If you find that rates are still too expensive after comparing multiple large insurers, there are additional steps you can take to obtain cheaper coverage:

  • Combine policies with your family members. The cheapest way for a young driver to get insurance is by combining policies with an older family member. If you combine policies with a relative who is older and has a less risky profile, you will be paying less than if you had two separate policies.
  • Ask companies about discounts. Most insurers have a comprehensive list of discounts on their website. You can redeem discounts for obtaining good grades in school, attending a defensive driving class and having safety devices installed in your car.
  • Contact insurers outside of our list. Big insurers don’t always offer the best prices. Research and contact small insurers around Jacksonville as well to see if they have better deals or prices.

Cheapest rates for drivers with an accident history: State Farm

Any driver who’s been in an accident knows how much it affects insurance costs.

Allstate, the most expensive insurer for minimum and full coverage policies, increased rates by an average of $2,122 after an accident. The best action you can take to avoid a massive price hike following an accident is to compare rates at different companies.

State Farm increased prices the least after an accident, with a $382 difference. GEICO, the company with the cheapest full coverage and minimum coverage policy, increased prices by an average of $715. Direct General is another option to check out. Although it isn't as inexpensive as GEICO or State Farm, its price hike was less than $1,000.

RankCompanyRates before accidentRates after accidentDifference
1State Farm$2,118$2,500$382
2GEICO$1,669$2,384$715
3Direct General$2,742$3,666$924
4Progressive$4,154$5,930$1,777
5MetLife$3,392$5,499$2,107
6Allstate$4,951$7,073$2,122

Best insurance company for customer service in Jacksonville

It’s not enough to just have the best prices. You should also look for insurers that offer quick and transparent customer service. In our survey, companies rated the highest in customer service typically had fast response times, a 24/7 claims center or helpful representatives.

According to our survey of customer satisfaction, the Jacksonville insurance company with the best service ratings is Allstate with 64% of policyholders stating that they are satisfied with their customer service experience. A close second is State Farm, with 59% of customers being satisfied with their experience.

RankAuto insurer% of respondents extremely satisfied with experience% of respondents who saw customer service as excellent
1Allstate64%47%
2State Farm59%46%
3GEICO56%42%
4Progressive51%34%

Best auto insurers in Florida by complaints

In addition to our survey, we examined the feedback collected by the National Association of Insurance Commissioners (NAIC), which measures customer service by the frequency of customer complaints. The Jacksonville companies with the best customer service based on NAIC’s complaint index are Amica,Farm Bureau, Southern-Owners and Progressive.

RankCompanyComplaint index
1Amica0.06
2Florida Farm Bureau0.07
3Southern-Owners0.10
4Progressive0.10
5Safeco0.11
6State Farm0.12
7Mercury0.12
8Allstate0.12
9MetLife0.13
10GEICO0.14
11USAA0.14
12Esurance0.19
13Liberty Mutual0.25
14Hartford0.32
15Security National0.34
16Infinity0.49
17Direct General0.76
18United Automobile Insurance1.16
19Windhaven1.24
20Ocean Harbor2.44
Insurers were selected based on market share and quote availability. Complaint index information is drawn from the National Association of Insurance Commissioners. The national median for the complaint index is 1.0, meaning companies with a lower index provide better customer service compared to the median company.

Average rates by Jacksonville neighborhood

Crime rates, population density and accident rates vary by neighborhood, resulting in insurance prices that can vary by over $300 depending on where you reside.

Residents of Downtown Jacksonville, the city’s business district and one of the most expensive areas, had auto insurance quotes that averaged $2,387 per year. Mayport, the cheapest area of Jacksonville and one of its smallest areas, had an average insurance cost of $2,099 — a $288 difference.

ZIP codeNeighborhoodAverage annual car insurance rate
32099Marietta$2,335
32202Downtown$2,387
32204Brooklyn / Mixon Town / Riverside$2,359
32205Hillcrest / Normandy Village / Avondale$2,372
32206Fairfield / Springfield / East Side$2,420
32207San Marco / Spring Park / Riverside$2,377
32208Riverview / North Shore$2,384
32209Grand Park$2,426
32210Sweetwater$2,338
32211Arlington$2,357
32212Ortega$2,323
32216San Souci$2,216
32217San Marco$2,188
32218North Jacksonville$2,362
32219North Jacksonville$2,366
32220White House / Marietta$2,332
32221Southwest$2,338
32222Jacksonville Heights$2,323
32223Mandarin$2,111
32224San Pereil$2,110
32225Arlington$2,136
32226North Jacksonville$2,253
32227Mayport$2,099
32233North Beach$2,108
32234Maxville$2,247
32244Duclay / McGirts Creek / Ortega$2,342
32246Southeast Estates / Windy Hill$2,135
32250Isle of Palms$2,108
32254Biltmore / Paxon$2,380
32256South Side$2,110
32257Mandarin$2,208
32258Mandarin$2,101
32277University Park / Arlington Manor$2,294

Auto theft statistics in Jacksonville

Despite being the largest city in Florida, Jacksonville has a car theft rate lower than many highly populated areas of Florida, including Miami and Tampa. The city reported 1,240 cars stolen in 2019, or approximately 137 cars for every 100,000 vehicles.

CityPopulationCar theftsThefts per 100,000
Fort Lauderdale182,150426233.9
Orlando286,679602210.0
Tallahassee192,443336174.6
Miami473,047815172.3
St. Petersburg265,942377141.8
Jacksonville903,2131,240137.3
Hialeah241,778259107.1
Tampa392,94527369.5
Motorvehicle theft data was pulled from the FBI 2019 Preliminary Semiannual Uniform Crime Report.

Car insurance companies in Jacksonville, Fla.

The Tampa auto insurance market is dominated by GEICO, Progressive and State Farm, which together write over 50% of direct premiums.

There are unique benefits to being insured by a small insurer over a larger company. Drivers insured under small insurers will be able to communicate with one agent, exclusively, and will likely have a personalized experience. Large insurers, on the other hand, lack the personal touch of small companies but offer more discount and coverage options.

RankInsurersDirect Premiums WrittenPercent of Direct Premiums
1GEICO5,492,41322.67%
2Progressive5,001,52420.64%
3State Farm2,903,83311.98%
4Allstate Corp1,999,1928.25%
5Liberty Mutual618,3412.55%
6Auto-Owners Insurance608,8222.51%
7Travelers557,2762.30%
8Kemper449,6511.86%
9National General Holdings Corp407,5661.68%
10Farmers Insurance337,6481.39%
N/A*USAA1,481,9336.12%
*USAA is only available to current and former military members and their families.

Minimum auto insurance requirements in Jacksonville, Fla.

Auto insurance minimums are set by each state. Most states require drivers to have a certain level of coverage in order to legally drive. Florida law requires all Jacksonville drivers to meet the following requirements:

Coverage typeMinimum limit
Personal injury protection (PIP)$10,000 per accident
Property damage liability (PDL)$10,000 per accident

Although the minimum liability policy is the cheapest option, it may not sufficiently meet your individual needs. If you get into an expensive accident, the damage to your car will not be covered under a minimum policy and you will have to pay out-of-pocket costs. Always consider your background and individual needs before deciding whether to purchase more or less coverage.

No-fault state

Florida is one of 15 no-fault states in the U.S. No-fault insurance requires insurers to provide coverage for medical costs regardless of who is at fault in an accident.

PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, with a combined limit of $10,000. PDL reimburses property damage to other drivers' vehicles in an accident, with a limit of $10,000.

Drivers found to be at fault in an accident can still be sued if the accident resulted in serious injuries or death. It’s recommended that you have bodily injury liability (BIL) coverage to protect yourself from a lawsuit.

Florida's financial responsibility law: SR-22 and FR-44 policies

Drivers convicted of driving without insurance or driving under the influence will be required to hold additional coverages and higher coverage limits under Florida's financial responsibility law. You will need to buy SR-22 or FR-44 insurance.

SR-22 insurance requirements

SR-22 is an auto insurance policy with an SR-22 endorsement. If you’re determined to be a high-risk driver, you will be asked to file SR-22 insurance in order to have your driving privileges reinstated. SR-22 insurance requires:

  • Bodily injury liability: $10,000 per person/$20,000 per accident
  • Property damage liability: $10,000 per accident

These coverages will reimburse you for bodily injury caused to other people involved in an accident for which you are at fault.

FR-44 insurance requirements

Like an SR-22 policy, an FR-44 policy is a car insurance policy with an FR-44 endorsement. Jacksonville residents convicted of driving under the influence of drugs or alcohol are required to obtain an FR-44 certificate. FR-44 coverage requirements are higher than the requirements of no-fault minimum coverage or SR-22 certificates. Specifically, FR-44 insurance requires:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident

Methodology

We analyzed quotes from six insurance companies located in Jacksonville, Fla. Our sample driver is a man who owns a 2015 Honda Civic EX, has a poor credit history and is searching for a policy that meets Florida’s minimum auto insurance coverage requirements. During instances where we explicitly state he is looking for a full coverage policy, the following limits were applied:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.